| Metric | Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 2.92% | 1.24% | +1.7 pts |
| ROE | 25.1% | 11.9% | +13.2 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $315.5M | $277.8M | $246.3M | $37.3M | $4.5M | 2.92% | 4.49% | 0.00% |
| Q1 2026 | $301.8M | $265.1M | $240.8M | $36.4M | $2.1M | 2.73% | 4.40% | 0.00% |
| Q4 2025 | $310.2M | $275.7M | $246.1M | $34.3M | $8.4M | 2.83% | 4.35% | 0.02% |
| Q3 2025 | $288.5M | $253.1M | $234.6M | $35.0M | $6.1M | 2.76% | 4.34% | 0.00% |
| Q2 2025 | $297.4M | $262.4M | $240.0M | $34.6M | $4.1M | 2.75% | 4.26% | 0.00% |
| Q1 2025 | $295.9M | $261.8M | $239.2M | $33.9M | $1.9M | 2.58% | 4.20% | 0.00% |
| Q4 2024 | $299.7M | $263.1M | $247.0M | $31.9M | $7.9M | 2.66% | 4.25% | 0.00% |
| Q3 2024 | $295.1M | $247.6M | $232.7M | $33.0M | $6.0M | 2.69% | 4.25% | 0.00% |
Loan mix (Q2 2026): real estate $212.2M · commercial $31.1M · consumer $5.3M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.92% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 25.1% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.4% | 62.9% | 3th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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